Affordable Care Act Uninsured Penalty Calculator

Under the new health law, most Americans must have health insurance coverage starting in 2014, or pay a penalty when filing a federal income tax return. This penalty, known as the individual mandate, is calculated by considering income, tax filing status, and the number of people in a household. Try our calculator below to find out how much you might owe if you didn’t have insurance in 2014, or won’t in 2015.

Calculate the penalty for being uninsured under the Affordable Care Act by choosing a year and entering your household information.

Result

Sources: The formulas used to generated these calculations are based on information from the IRS, Healthcare.gov and the Kaiser Family Foundation.
Notes: 1) For the purposes of penalty calculation, the IRS has set the average premium of a bronze-level health insurance plan at $204 per month per person in 2014. We have increased that amount by 3.2% to $211 for 2015 based on a report of 2015 rates by the Kaiser Family Foundation. 2) Income used in the calculations refers to adjusted gross income, plus foreign-earned income and tax-exempt interest earnings. Income also includes the incomes of any dependents who are required to file tax returns.